Senior Officer, Corporate and Commercial Credit Risk Appraisal (40000737)

Job Purpose

Implement credit appraisal; Participating in building credit products/solutions for customers belongs to Wholesales banking' MM/SME segment; Ensuring that credit apprasal' performance is quick and smooth in accordance with risk appetite; credit orientation and business orientation.

Key Accountabilities (1)

1. Perform credit appraisal and propose credit solutions for customers
- Conduct credit appraisal in coordination with related departments to determine an appropriate credit structure and risk management plan for balancing the benefits and risks when providing credit to customers and ensure compliance with policies, regulations and procedures.
- Conduct credit appraisal in coordination with related departments, advise, evaluate and develop restructuring plans for debt customers with debt problems, which are classified into financial solutions.
- Perform credit appraisal to meet job requirements, commit to quality for improving customer experience and achieving the highest efficiency.

Key Accountabilities (2)

Coordinate to review/monitor credit quality, detect early warning signals and coordinate to propose solutions:
- Coordinate with related parrties on the implementation of review programs to identify customers' early warning signals
- Coordinate with the business lines to carry out credit post - control procedures under assigned scope to minimize risks and credit losses.
- Recording problems, difficulties, and unreasonableness in the process of performing the appraisal, proposing/suggesting to improve the process/product

Key Accountabilities (3)

Perform other tasks:
-Maintain customer's credit documents and records in accordance with regulations.Participate in/directly work with inspection teams at the request of the Bank about credit records of the customer segment assigned to manage. .Completely implement the recommendations of the Internal Inspection Department, the inspection team related to the work of credit appraisal.
- Perform related tasks at the request of periodic Appraisal Director / Senior Manager / Credit Appraisal Manager' assignment

Success Profile - Qualification and Experiences

- Degree: University degree or higher with majors: Banking and Finance; Foreign Trade; Economics or related field…. (Preference will be given to those with relevant majors)
- Experience:
+ At least 5+ years of experience in the financial/banking industry, of which at least 3 years of experience related to credit appraisal
+ Having experience and deep understanding of the credit, skills in analyzing and designing credit solutions for corporate customers (similar to the assigned group of customers) and ability to manage credit risks.
- English proficiency according to the periodic Bank's requirements